Your Cultura engineered Health Plan
A customized platform
A Self-Funded Health Plan
The right self-funded plan provides the control required to optimize your health plan.
A concierge experience for your people
Care-Coordination Replaces Member Services
The awesome support your people need.
Innovative plan components
Discounted Rx Cost
Discounted Hospital Pricing
Big decreases to claims cost and actionable transparency into claims.
Results
A lower employer healthcare spend and your people will love it.
Key Components of Our Solution
Self-Funding
Large employers have long used self-funding in place of fully insured programs in order to take control of their health plan. In recent years, self-funding became a particularly suitable option for smaller employers. Companies with as few 50 employees can capitalize on it. Self-funded employers still have insurance.
Care Coordination
A Concierge Level Experience for Your Employee’s Healthcare Journey
In our care coordination based health plan, health care warriors totally replace the traditional member services function. Your people and their doctors will only have contact with a set team of 25 nurses and plan advocates. They provide empathy and expertise in guiding people through the healthcare maze.
Discounted Hospital Pricing
Reduce hospital claims cost by 30+%
Hospital / facility claims account for most of the total claims cost in a health plan.Carrier PPO & HMO’s do achieve a 50-60% discount on these billed charges. Unfortunately, there is a lesser-known challenge remaining: the carrier discounts apply to wildly different billed amounts.
Discounted RX Cost
Reduce specialty RX spend by 50%
Rx claims account for an average of 20% of the total claims cost in a health plan. But, the RX claims spend is growing at a rate much higher than other types of claims.